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Guest Belongings Insurance: Does Hotel Cover You for Loss & Damage?
Hotels in the UK have a duty to provide a safe and secure environment for their guests. However, even with robust security measures in place, there…
Hotel & B&BInsurance
Hotel & B&B Insurance
Public liability, guest property and employers’ liability cover built for hotels, guest houses and B&Bs of every size.
Public liability, guest property and employers’ liability cover built for hotels, guest houses and B&Bs of every size.
Guest propertyBuildings & contentsRooms out of use
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is hotel & B&B insurance?
Hotel and B&B insurance is a combination of covers built around housing paying guests, public liability for guest injury, cover for guests’ belongings, and employers’ liability if you have staff.
One policy. Multiple risks. From a guest slipping on the stairs to a kitchen fire during breakfast service, the right cover follows your guests, not just your building.
The right accommodation cover depends on:
Number of guest roomsWhether you serve foodGuest belongings on siteBuilding contentsSeasonal or year-round tradingNumber of properties
Is this cover right for your accommodation?
Is this cover right for your accommodation?
This cover suits any business housing paying guests, from a single spare room to a multi-site chain, with the policy scaled to match.
This cover suits any business housing paying guests, from a single spare room to a multi-site chain, with the policy scaled to match.
Small B&Bs
A few rooms in a home you also live in.
Guest Houses
Dedicated guest accommodation, no live-in host.
Boutique Hotels
Independent hotels with their own character.
Budget & Chain Hotels
Larger properties with more guest rooms.
Serviced Apartments
Self-catering stays with hotel-style service.
Multiple Properties
Owners managing more than one site.
What could go wrong at your property?
What could go wrong at your property?
Most hotel and B&B claims come from a guest injured on the stairs, a burst pipe flooding rooms, a kitchen fire during service, or a guest’s belongings going missing.
Most hotel and B&B claims come from a guest injured on the stairs, a burst pipe flooding rooms, a kitchen fire during service, or a guest’s belongings going missing.
Public liability covers the cost if a guest slips, trips or falls on your property.
How could a claim affect your booking calendar?
How could a claim affect your booking calendar?
A claim can mean cancelled bookings on top of the repair bill, the right cover addresses both the damage and the lost income.
A claim can mean cancelled bookings on top of the repair bill, the right cover addresses both the damage and the lost income.
Fire
A fire damages guest rooms and forces you to cancel bookings.
What cover may respond?
Property + Business Interruption
Escape of Water
A burst pipe causes significant damage to guest rooms.
What cover may respond?
Property + Business Interruption
Guest Property
A guest’s belongings are lost, stolen or damaged.
What cover may respond?
Guest Property Cover
Guest Injury
A guest is injured on the stairs or in a communal area.
What cover may respond?
Public Liability
Who needs hotel & B&B insurance?
Guest accommodation insurance may be suitable if you house paying guests, whatever the size of your property.
This cover may be suitable if you’re:
Running a B&B from your own homeManaging an independent hotelOffering serviced apartmentsLetting rooms on a seasonal basisManaging more than one propertyServing food to guestsCover built around your accommodation
Cover built around your accommodation
Most hotels and B&Bs combine public liability, employers’ liability, buildings and contents cover, with guest property cover for belongings left in rooms.
Most hotels and B&Bs combine public liability, employers’ liability, buildings and contents cover, with guest property cover for belongings left in rooms.
Public Liability
Protection if a guest or visitor is injured or their property is damaged.
Guest Property Cover
Protection against eligible claims for guest belongings lost or damaged on site.
Business Interruption
Potential protection for lost bookings if an insured event stops you trading.
Contents & Equipment
Cover for eligible furnishings, kitchen equipment and guest facilities.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Legal Expenses
Additional legal protection for guest disputes and contract issues.
How much does hotel & B&B insurance cost?
There’s no fixed price. It depends on the number of guest rooms, whether you serve food, your staff numbers and your claims history.
Number of guest rooms
More rooms generally means higher footfall and higher cover needs.
Level of guest property cover
Higher limits for guest belongings increase your premium.
Whether you serve food
Breakfast service or a restaurant adds product liability into the mix.
Building type and location
Older buildings or higher-risk locations can affect your premium.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get hotel & B&B insurance
How to get hotel & B&B insurance
Getting hotel or B&B insurance takes four steps: tell us about your property, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting hotel or B&B insurance takes four steps: tell us about your property, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your property
Number of rooms, and whether you serve food.
2
Choose your covers
Public liability, guest property and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Hotel & B&B insurance guides
Hotel & B&B insurance guides
Practical advice on cover, guest belongings and staying protected.
Practical advice on cover, guest belongings and staying protected.
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Hotel & B&B insurance FAQs
Hotel & B&B insurance FAQs
Straight answers on cover, guest property and cost.
Straight answers on cover, guest property and cost.
Hotel and B&B insurance is a combination of covers built around housing paying guests: public liability for guest injury, guest property cover for their belongings, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.